The debit card deposit is defined as one that does not have a definite term, which is based on the current passbook account opened in the bank. It can't be overdrafted. With one current passbook, only one debit card can be opened. You can apply for the debit card without any guarantee. The functions of the card includes deposit or withdrawal, account transferring between the cards, inquiry of remaining amount, modification of password and consumption on the POS, etc. The cardholder can report loss, freeze, cancel the report of loss, cancel the freeze of the debit card. All these don't influence the use of the basic account.

借记卡存款是以在银行开户的活期存折为基本账户，没有存款期限的一种储蓄方式。借记卡存款不可以透支，每一个活期存折只允许开一个借记卡，客户申请借记卡不需要担保。其功能包括存取款、卡与卡转账、余额查询、修改密码、POS机消费等。持卡人可以对借记卡挂失、冻结、解挂、解冻，不影响基本账户的使用。

Automatic banking of savings deposits is a method of banking service that a client having a deposit account will make deposits or withdrawals against a debit card or the passbook in any banking outlets all over the country. Nationwide different-areas automatic banking of local and foreign currency current and time deposits has been realized.

储蓄存款通存通兑业务是指客户只要开立储蓄存款账户，便可以持借记卡或存折在全国各地的银行网点办理存取款的一种银行服务形式。本外币活期、定期存款等储蓄存款业务已实现全国通存通兑。

In the meantime, the NIC-NAP network of the Bank enables clients to realize consumption and cash withdrawal by using electronic debit cards through the ATMs and EDCs of the bank in the whole country.

同时以银行利用自建的NIC-NAP网络，客户可使用电子借记卡在全国银行的ATM和EDC（电子对账终端系统）上实现消费和取现。